BAJAJ FINANCE LTD Coupon 7.07% | NBFC Retail Bond

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Returns (YTM)

7.03%

Min. Investment

₹ 5,09,33,573.3

Remaining Tenure

2Y 11M 19Days

Payment Terms

Yearly

Highlights

Credit Rating

CRISIL AAA/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

0.56

Net NPA

Good

Benchmark: Lower than 3%

21.93

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

2.8

Debt to Equity Ratio

Good

Benchmark: Maximum 12 times

-0.17

Operating Cash Flow to Debt Ratio

Risky

Benchmark: Higher the ratio better it is.

1.89

Interest Coverage Ratio

Risky

Benchmark: Minimum 2

Important disclaimer

About Issuer

BAJAJ FINANCE LTD

Will be given soon...

Total Annual Revenue

61963.95 Cr (FY-2025)

Year of Inception

1987

Industry

NBFC Retail

Head Office

PUNE

Type of Issuer

Corporate

Current MD/CEO

Mr. Rajeev Jain

Credit Rating / Outlook

AAA STABLE

CRISIL

Rating Rationale

Rating Date: 27-Jun-2025

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with AAA credit rating are considered to have the highest degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry lowest credit risk.
Stable Outlook suggests that the rating is unlikely to change significantly in the near to medium term, indicating a stable credit profile of the issuer.

Other Important Details & Disclosures

Issuer Name

BAJAJ FINANCE LTD

Security Name

7.07% BAJAJ FINANCE LTD Secured Rated Listed NCD Maturity 21-Sep-2028

ISIN

Copy

INE296A07TN6

Face Value

₹ 1,00,000

Coupon Rate

7.07%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

21-Sep-2028

Clean Price

₹ 99.97

Dirty Price

₹ 101.87

Current Yield

7.0722%

Yield to Maturity

7.0329%

Mode of Issue

Private Placement

Date of Issue

30-Jun-2025

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Catalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)

GDA House, Plot No.85, Bhusari Colony (Right),Paud Road, Kothrud,Pune – 411038

Registrar Details

KFIN Technologies Limited

Plot No. 17-24, Vittal rao Nagar,Madhapur,Hyderabad 500081

Looking For More Information ?

Download Prospectus

Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 15G/15H to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: KFIN Technologies Limited Plot No. 17-24, Vittal rao Nagar,Madhapur,Hyderabad 500081

Units

Investment Amount

₹ 5,09,33,573.3

Total Returns

₹ 1,04,75,276

Total Receivable

₹ 6,14,08,849.3

Cashflow Timeline

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FAQs about BAJAJ FINANCE LTD bonds

How to buy this BAJAJ FINANCE LTD bond online?

You can invest in bonds online in under 5 minutes. To buy BAJAJ FINANCE LTD bond online follow the steps below:

Login/signup at GoldenPi
Upload your documents online to complete the KYC
Pay online via payment gateway and receive bond units in your demat account

What is the yield of this BAJAJ FINANCE LTD bond?

7.0329% is the current yield of this BAJAJ FINANCE LTD bond. A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM) of this BAJAJ FINANCE LTD bond is 7.0329%, which indicates the total expected return if the bond is held till the maturity date. It is calculated using the XIRR method considering current price, face value, coupon payments, and time to maturity.

Is it safe to invest in bonds?

Investing in bonds is relatively a safer option but it depends on factors like:

The creditworthiness of the issuer indicated by the credit rating
The debt quality of the bond indicated by its seniority and security
Your investment goals and risk appetite

If you are an existing bond investor and want to sell your bond holdings before maturity, you can do so through the secondary market. This can be done either through exchanges such as BSE or NSE, or you can also request a quote from your relationship manager at GoldenPi.

How to redeem this BAJAJ FINANCE LTD bond?

To redeem this BAJAJ FINANCE LTD bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the maturity date, and if the maturity date falls on a bank holiday, the redemption amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this BAJAJ FINANCE LTD bond is generally simple and straightforward. Contact our support team for more information.

Is this BAJAJ FINANCE LTD bond tax-free?

No, this BAJAJ FINANCE LTD bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.

To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/

Can I sell this BAJAJ FINANCE LTD bond before the maturity date?

Yes, it is possible to sell this BAJAJ FINANCE LTD bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.

To know more about the sale process, contact us at https://goldenpi.com/contact-us

Need Help?

Talk to our Support Team for free. We will help you through your investment journey.

Note to Investors

GoldenPi Securities Pvt. Ltd. (“GSPL”) is a wholly owned subsidiary of GoldenPi Technologies Pvt. Ltd. (“GTPL”) and is a SEBI registered broker under BSE new debt segment allowing investors to trade in secondary bonds & debentures through exchange.

Investments in debt securities/municipal debt securities/securitized debt instruments are subject to risks including delay and/or default in payment. Read all the offer-related documents carefully.
Investors can update their email id and mobile number with their stock broker / depository participant and receive OTP directly from the depository on email id and/or mobile number to create a pledge. Investors can check their securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month.

The FAQs on the platform are exclusively for educational information/knowledge and do not influence the investment/sale decisions of any investors.As you are aware, under the rapidly evolving dynamics of financial markets, it is crucial for investors to remain updated and well-informed about various aspects of investing in securities market. In this connection, please find a link to the BSE Investor Protection Fund website where you will find some useful educative material in the form of text and videos, so as to become an informed investor. https://www.bseipf.com/investors_education.html
We believe that an educated investor is a protected investor !!!

The information shown on the website should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products/services of GSPL or any product/services of its third-party client(s). The user should act and rely on the information/data shown on the website only after understanding all associated risk parameters. Any action/decision taken by the user on the basis of the information shown on this website shall be the sole responsibility of the user. Neither GSPL nor its directors, employees, associates, representatives, or agents shall be liable for any damages whether direct, indirect, special, or consequential including lost revenue or lost profits that may arise to the user from or in connection with the use of the information/data shown on this website.

We understand that certain investment advisors may be approaching members of the public including our clients, representing that they are our partners, or representing that their investment advice is based on our research. Please note that we have not engaged any third parties to render any investment advisory services on our behalf nor are we providing any stock recommendations/tips/research report/advisory. Persons making investments on the basis of such advice may lose all or a part of their investments along with the fee paid to such unscrupulous persons. Please be cautious about any phone call that you may receive from persons representing to be such investment advisors, or a part of research firm offering advice on securities. Do not make payments through e-mail links, WhatsApp or SMS. Please do not share your personal or financial information with any person without proper verification. Always trade through a registered broker.

We collect, retain, and use your contact information for legitimate business purposes only, to contact you and to provide you information & latest updates regarding our products & services.

Fixed Deposits are offered in the capacity of a distributor and all disputes with respect to distribution activity, would not have access to exchange investor redressal forum or arbitration mechanism.

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GoldenPi Securities Pvt Ltd (“GSPL”) | SEBI Registration No.: INZ000310732 | BSE Member ID : 6809

Compliance Officer: Ekta Sheth, Tel. No.: 080-45685666, Email ID: grievance-gspl@goldenpi.com (for any compliance & grievance related complaints)

Directors: Abhijit Roy, Samir Baran Pratihar, Naveen Subbarao | Email: contact-us@goldenpi.com

Cashflow Timeline

Timeline	Total Receivable*	Net Receivable**
21 Sep , 2026	Interest ₹ 43,38,849.3	Interest ₹ 39,04,964.35
21 Sep , 2027	Interest ₹ 35,35,000	Interest ₹ 31,81,500
21 Sep , 2028	Interest ₹ 35,35,000 + ₹ 5,00,00,000 (100% of Principal)	Interest ₹ 31,81,500 + ₹ 5,00,00,000 (100% of Principal)

* The interest amount is paid as per total invested face value (₹ 100000) and annual coupon rate of 7.07%.

** The net interest receivable is after 10% TDS for Indian Residents. However for NRI 30% TDS is deducted. The deducted TDS can be claimed while filing ITR.

Highlights

Company Financials

Ratio Analysis

About Issuer

BAJAJ FINANCE LTD

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

How to buy this BAJAJ FINANCE LTD bond online?

What is the yield of this BAJAJ FINANCE LTD bond?

Is it safe to invest in bonds?

How to redeem this BAJAJ FINANCE LTD bond?

Is this BAJAJ FINANCE LTD bond tax-free?

Can I sell this BAJAJ FINANCE LTD bond before the maturity date?

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Note to Investors

Filling complaints on SMARTODR & SCORES - Easy & Quick

Cashflow Timeline